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Previous US bank account - will I have credit history?

Previous US bank account - will I have credit history?

Old Feb 26th 2007, 4:08 pm
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Default Previous US bank account - will I have credit history?

Hi there,

I was in the USA for a year or so 5 years ago and obviously had a bank account there but did not have a credit card but paid for everything on debit card instead. The bank was a small local outfit. I regularly used this account for everyday activities as well as for transferring money from the UK. I will be going back to the states soon and was wondering whether this previous account activity will mean I have the sought after "credit history"?

Thanks in advance.
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Old Feb 26th 2007, 4:17 pm
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Default Re: Previous US bank account - will I have credit history?

Originally Posted by dukeynorton View Post
Hi there,

I was in the USA for a year or so 5 years ago and obviously had a bank account there but did not have a credit card but paid for everything on debit card instead. The bank was a small local outfit. I regularly used this account for everyday activities as well as for transferring money from the UK. I will be going back to the states soon and was wondering whether this previous account activity will mean I have the sought after "credit history"?

Thanks in advance.
Nope.
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Old Feb 26th 2007, 4:33 pm
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Default Re: Previous US bank account - will I have credit history?

Thank-you FatBrit.

It was hopeful I know, but it was worth a try.
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Old Feb 26th 2007, 4:36 pm
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Default Re: Previous US bank account - will I have credit history?

Did you keep the account open?
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Old Feb 26th 2007, 5:01 pm
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Default Re: Previous US bank account - will I have credit history?

Originally Posted by Celsius View Post
Did you keep the account open?
still wouldn't have built up any credit history.
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Old Feb 26th 2007, 8:07 pm
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Default Re: Previous US bank account - will I have credit history?

Originally Posted by dukeynorton View Post
Hi there,

I was in the USA for a year or so 5 years ago and obviously had a bank account there but did not have a credit card but paid for everything on debit card instead. The bank was a small local outfit. I regularly used this account for everyday activities as well as for transferring money from the UK. I will be going back to the states soon and was wondering whether this previous account activity will mean I have the sought after "credit history"?

Thanks in advance.
Bank Accounts do not show on Credit reports. BUT, bounced checks, Landlord problems, unpaid rent or eviction, can & do show on full reports.
Reg. Frank R.
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Old Feb 26th 2007, 8:16 pm
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Default Re: Previous US bank account - will I have credit history?

Originally Posted by Bob View Post
still wouldn't have built up any credit history.
That wasn't my point. If the OP still has an account, it'll save him the hassle of trying to open one post 9/11.

Also, the account provider may offer credit cards and being an existing customer may give him some leverage getting a card, albeit with a low credit limit.
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Old Feb 26th 2007, 8:24 pm
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Default Re: Previous US bank account - will I have credit history?

Originally Posted by Celsius View Post
That wasn't my point. If the OP still has an account, it'll save him the hassle of trying to open one post 9/11.

Also, the account provider may offer credit cards and being an existing customer may give him some leverage getting a card, albeit with a low credit limit.
Good point, tho if no activity for 5 years, "ThinK" the account, would have been closed & any funds sent to the Gov for holding.
Reg. Frank R
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Old Feb 28th 2007, 8:40 am
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Default Re: Previous US bank account - will I have credit history?

The account was closed when I left. I am a bit annoyed that I didnt at least get a credit card then and would have saved myself a little bit of hassle next time round. Nevertheless, it was a crappy local bank and I think it would be pretty much useless to me anyway.
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Old Feb 28th 2007, 6:57 pm
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Default Re: Previous US bank account - will I have credit history?

All is not lost!

You may be able to lend money from this bank easier than others. You have a "relationship" with them and they will consider this on your loan application.

My wife had a Wells Fago savings account for a few years before we moved here (long story). They gave us a 300K mortgage base on this relationship. We had a fico score of 0.

M

P.S. Fico score still in the single digits
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